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NEW YORK — Americans over the age of 55 are filing for bankruptcy at a faster rate than the general population as growing mortgage debt and higher health care costs make them more vulnerable, a new study shows.

The trend of rising bankruptcies among older Americans is likely to continue for the foreseeable future, according to the study’s authors, John Golmant and Tom Ulrich, researchers at the Administrative Office of the U.S. Courts.

They found that the aging of the population alone does not account for the rise in older filers and that “bankruptcy courts can anticipate an influx of new bankruptcy petitions as the baby boom generation continues to age.”

Senior researcher Jose Garcia, who examines consumer finance trends at New York-based Demos, said rising costs for housing and health care, especially prescription drugs, have made older Americans more dependent on credit. This, in turn, makes them more vulnerable to financial rough spots.

“We see general trends that will definitely impact coming generations,” Garcia said.

The ABI Journal study used data from the courts and public records to track how filing rates among different age groups have changed over time. In 2002, the percentage of Americans older than 45 who entered bankruptcy reached 39 percent, up from 27 percent in 1994, the study found.

The steepest increase in Chapter 7 filings occurred among people older than 55.

Golmant and Ulrich also found that the median age of those filing for bankruptcy rose to 41.4 in 2002, up from 37.7 in 1994.

The youngest Americans, meanwhile, had a drop in filings, with 4 percent of Americans under the age of 25 filing for protection from creditors in 2002. That fell from 11 percent in 1994.

Golmant’s and Ulrich’s report, “Aging and Bankruptcy: The Baby Boomers Meet Up at Bankruptcy Court,” will be published in the May 2007 issue of the American Bankruptcy Institute Journal.